Quite honestly, I would think the ideal rate is somewhere below 10%. Not that I want to see it decrease. When you think about it though even 5% is more than you would get at a traditional bank so by many respects it is attractive. It is also low enough that it shouldn't bug you too much to keep some HBD liquid. I think anything over 15 to 20 percent and you are going to start seeing too much HBD locked up like you are concerned about.

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